I’ve had both, and iPad Mini 6 and now an rM 2. I wouldn’t get rM 2 if she needs something speedy, or she needs to multitask like search up the web on her device. An iPad Air with paperlike would be more appropriate for multitasking.
rM 2 is more of a notebook replacement.
Don’t forget purchase protections, extended warranties, point transfers, all of the bonus features provided by competitors even at 1.5% CB. Some offering more CB for other categories.
Apple Card didn’t have an advantage in any category other than convenience.